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Facts of Medical Insurance

Individual Accident arrangement offers you money related scope in an occasion of death, handicap or dismantling coming about out of a mischance. The scope is stretched out towards street, rail and air mishap and furthermore incorporates harm emerging out of smolders, tumbling and suffocating. A mishap suggests sudden loss of wage and immense restorative cost that can smash your family radically. Along these lines, purchasing an online individual mischance arrangement would turn into your life friend in need if incident strikes you.

Why put resources into inadvertent approach in the event that I as of now have disaster protection and medical coverage arrangement?

Disaster protection compensates your relatives in occasion of your demise and medical coverage approach would accommodate hospitalization costs. Along these lines, if a mischance brings about your inability, you should bear the budgetary weight without anyone else and both your different arrangements will neglect to give you any alleviation. Subsequently, this strategy comes into picture.

What are the key features of this policy?

  • No medical test required
  • Good coverage amount at a low premium
  • Offers worldwide accidental coverage
  • Indemnity doubles in case of death or disability if commuting via public transport
  • Covers medical expenses to avail treatment
  • Provides for funeral and legal expenses
  • Funds child education

What are the policy exclusions?

  • Pre-existing injuries/disabilities
  • Accident arising out of involvement in any criminal activity
  • Suicidal attempts
  • Accident arising out of driving under influence of drugs/alcohol
  • Accident arising due to any adventure/sport activity

How much coverage would suffice?

It is basically a personal choice but should be 10 times the annual income.

Can I get this insurance online?

Online insurance is the order of the day as it saves your time and effort. You need to provide the following details online to get the insurance:

  • Your date of birth
  • Gender
  • Annual Income
  • Marital Status
  • Occupation
  • Policy Type (Individual or family coverage)

Is the claim process easy?

Claim process is easy and claim assistance would be provided by your insurance provider. Generally, all the providers have 24×7 assistance facility.

What documents are required to process claim?

Documents required in case if disability

  • Duly filled claim form
  • Doctor’s report
  • Lab reports
  • Certificate of disability or dismemberment

Documents required in case of death

  • Duly filled claim form
  • Doctor’s report
  • FIR
  • Post-mortem report
  • Death Certificate